Insurance EuropeDelivering the savings and investments union : from ambition to impact / Insurance Europe. — Brussels : Insurance Europe, 20264 p.Strengthening Europe's resilience through the Savings and Investments Union -- Building on progress: harnessing insurers' contribution to the SIU -- From ambition to impact: resetting the focus -- Our recommendations: Creating the right conditions for long-term saving, retirement adequacy and broader retail participation -- Our recommendations: Unlocking long-term investment to support growth and resilience -- Our recommendations: Delivering on simplification and competitiveness commitments in support of SIU objectives -- A shared responsibility: delivering the SIU together. — Sumario: The paper sets out Insurance Europe's recommendations to advance the EU Savings and Investments Union (SIU) from ambition to tangible impact. It argues that Europe's resilience requires mobilising household savings into longterm productive investment and leveraging insurers' role as providers of protection, savings, pensions, and longterm capital. Building on progress such as the Solvency II review and initiatives on retail investment, pensions (PEPP, IORP II), securitisation, and market integration, the paper calls for coherent implementation and inclusive frameworks that explicitly recognise insurers as providers. Priorities include boosting retail participation, improving retirement adequacy, enabling longterm investment via stable regulation, risksharing and PPPs, and simplifying existing rules (IRRD, EU Taxonomy) to reduce burdens. It proposes a 2027 midterm review focused on delivery, informed by market consultation and appropriate indicators, and stresses sustained publicprivate collaboration to ensure the SIU benefits citizens, businesses, and the European economy1. Unión Europea. 2. Mercados financieros. 3. Inversiones. 4. Pensiones. 5. Política económica. 6. Ahorro a largo plazo. 7. Unión Europea. I. Insurance Europe. II. Title.
